Comparison

Vault vs Incard

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Vault

Manage your global finances with a low-cost money app. Instantly transfer and exchange currencies with no hidden fees. Control your money from your phone and spend worldwide with a prepaid Mastercard.

Highlights
  • Instant currency exchange
  • Multi-currency prepaid Mastercard
  • Free global money transfers
  • Real-time transaction notifications
  • Dynamic FX rate alerts
  • Companion cards for family
  • Secure touch/face ID login
Read full description

Vault is a global money app that allows you to instantly transfer and exchange currency to and from your account in real time with no stress, no hassle and no hidden charges. With the multi-currency deVere Vault Prepaid Mastercard®, you can spend money online, in store or at any ATM locations across the globe that has the Mastercard® acceptance mark. Designed to fit around your busy schedule, Vault gives you full control of your own finances in the palm of your hand. Our Goals We want to implement greater transparency within the banking world by providing a secure, seamless experience that facilitates your currency exchange with no hidden fees. Features Create an account in five settlement currencies: GBP, USD, EUR, CHF, PLN. Transfer money between accounts instantly and for free anywhere in the world. Transfer and store in a further 22 currencies Top up your wallet by bank transfer, or instantly via debit card. Instant Vault-2-Vault transfers between users. Receive money from third-party bank accounts. Add up to 3 Companion Cards for family and friends under the primary Vault user account. See the exact exchange rate before committing to a conversion. Set up dynamic FX rate alerts to exchange at the optimum time. Get real-time notifications after every transaction. Enable and disable contactless/magstripe/online transactions or ATM withdrawals in app. Turn payments on and off when you're abroad. Get rewarded for recommending Vault to family and friends. Secure touch/face ID login Experience instant live chat support Freeze and unfreeze your card on the go deVere Vault Prepaid Mastercard® The deVere Vault Prepaid Mastercard® is a multi-currency card that can be ordered from the app at the touch of a button. The card can then be used online, in store and at any ATM locations across the globe that have the Mastercard® Acceptance Mark. Security Secure Account As well as being fast and user friendly, we believe that account safety is of utmost importance. That’s why your data is kept under the highest levels of encryption and your money is held securely in an account that cannot be touched by the bank. Card Transactions All Vault Card transactions are processed by a Mastercard® Certified processor which has attained the necessary PCI DSS (Payment Card Industry Data Security Standard) Level 1 accreditations required. Secure Account As well as being fast and user friendly, we believe that account safety is of utmost importance. That’s why your data is kept under the highest levels of encryption and your money is held securely in an account that cannot be touched by the bank. Instant Vault allows you to instantly load and convert money in up to 27 currencies. Whether you need to send money to friends, pay bills overseas or just want to save money on currency exchange, our user-friendly app is the only travel companion you need. Currency Create and fund your account in five major currencies: GBP, USD, EUR, CHF and PLN, with the option to exchange, spend and store in a further 22 currencies. Make transactions and purchases anywhere in the world, with the deVere Vault Prepaid Mastercard®. Freedom We eliminate hidden banking fees by always showing you the exact conversion rate before you commit to an exchange. Vault users have complete control over every aspect of their account, meaning payments are secure and can be made anywhere Mastercard® is accepted.

About

Incard

This financial platform helps digital entrepreneurs manage all aspects of their business finances. It offers corporate cards, expense tracking, bill payments, and accounting automation, all accessible through a mobile app.

Highlights
  • Corporate cards
  • Expense management
  • Bill payments
  • Accounting automation
  • E-commerce integration
  • Multi-currency accounts
  • Receipt uploads
Features
Read full description

Incard is a financial platform designed for digital entrepreneurs to save time and money. With Incard, you get corporate cards, expense management, bill payments, accounting automation, e-commerce integration, insights, and reporting—all in one place. Incard mobile app puts finance automation at your fingertips. Access card details, upload receipts for easy expense reporting, manage spending, redeem your Incard points and more. App features: - Access your multi-currency business accounts, pay and get paid faster like a local - Easily view, manage, and create both physical and virtual cards - Earn Incard points on ad spend and other Incard categories. Redeem your points in cash and get up to 2% cashback - Track transactions, spending, and cash flow anytime, anywhere - Upload or send receipts in seconds through the app - Receive tailored notifications to stay on top of every expense - Dedicated customer support that understand your online business model Have you met Incard yet? Download the app and get started today. You can also enjoy advanced e-commerce integrations, analytics, and perks from our native web application, which can be accessed via any recent desktop browser.

Screenshots

Vault4 screens
Incard4 screens

Verdict

The call

The clearest difference is rating: Incard at 5.0 against Vault's 3.1. Incard also leads on review sentiment (82% vs 52%) and update cadence (weekly vs every 3 weeks). Vault's advantage is ratings volume (17 vs 5). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Incard holds the better App Store score, 5.0 against 3.1. Both are backed by a comparable volume of ratings — 17 and 5 respectively. Written reviews point the same way: 52% of Vault's written reviews are positive against 82% of Incard's.

UpkeepUpdate frequency

Vault ships an update every 3 weeks, Incard weekly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
Vault versus Incard: the parameters behind the verdict, then further details
ParameterVaultIncard
PriceFreeFree
Rating3.1 (17 ratings)5.0 (5 ratings) — better
Positive reviews52.3% of reviews81.8% of reviews — better
Number of ratings17 — better5
Update frequencyEvery 3 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better17
Further details — not scored
Size110 MB117 MB
Age rating4+17+
DeveloperDEVERE GROUP LIMITEDincard Ltd.

Customer experience

Vault

All ratings17 ratings
Positive52.9%
Neutral5.9%
Negative41.2%
Written reviews44 reviews
Positive52.3%
Neutral0.0%
Negative47.7%

Incard

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews11 reviews
Positive81.8%
Neutral0.0%
Negative18.2%

In-app purchases

None

Vault

No in-app purchases

None

Incard

No in-app purchases

Questions

Is Vault free?
Vault is free to download, with no in-app purchases.
Is Incard free?
Incard is free to download, with no in-app purchases.
Which has better reviews, Vault or Incard?
Incard is rated higher. Vault averages 3.1 out of 5 from 17 ratings, while Incard averages 5.0 from 5 ratings.
Do Vault or Incard have ads?
Neither Vault nor Incard shows ads.
Which is updated more often, Vault or Incard?
Vault ships an update every 3 weeks, and Incard weekly. Most recently, Vault was updated on November 2, 2026 and Incard on November 3, 2026.

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